С каждым днем на дорогах страны появляется все больше и больше автомобилей. Практически каждый пятый житель России предпочитает передвигаться на автомобиле, т.к. этот способ является наиболее быстрым для достижения необходимого пункта назначения. Рост числа машин на дороге повышает риск попадания в аварии. Именно в связи с этим был издан закон, который гласит о том, что каждый автомобилист обязан страховать свою гражданскую ответственность. Однако немного позже было решено, что есть необходимость обеспечения безопасности и самого автомобиля. Сделать это можно в каждом городе, достаточно просто купить каско.
Каско представляет собой не обязательный, а добровольный вид страхования, который покрывает риски, которые напрямую зависят от ущерба автомобиля. Наиболее защищенными на дороге являются те водители, у которых оформлены как ОСАГО, так и КАСКО. Приобретя автомобиль, можно сразу обратиться к страховому агенту, который поможет рассчитать каско непосредственно для вашего автомобиля.
Данный вид страхования является добровольным, поэтому это личное дело каждого автовладельца. Тем не менее, считается, что каждый должен иметь понятие о том, в чем же заключаются основная суть и назначение каско. Каско покрывает следующие виды ущерба и рисков:
- ущерб, нанесенный автомобилю в результате ДТП;
- ущерб, нанесенный автомобилю в результате стихии (цунами, землетрясение, шторм);
- риск хищения или угона.
Среди недостатков данного вида добровольного страхования то, что КАСКО не предоставляется импортным авто старше семи лет, а также отечественным моделям старше пяти лет. Еще одним из значимых недостатков является достаточно высокая стоимость оформления договор КАСКО. Однако этого можно избежать с помощью рационального выбора программы страхования.
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